The Registered Mandate Service (debit order mandate), aslo known as debit order mandate, is a type of DebiCheck service introduced to assist businesses who have problems with
customers not responding to new DebiCheck Mandate requests.
If you initiate a new DebiCheck Mandate request and your customer doesn’t respond within the required cut-off time and the mandate expires, you can submit a Registered Mandate
against your customer’s account, and collect on it, without any action required from your customer.
Registered Mandates (debit order mandate) can only be requested when a previously issued DebiCheck mandate has expired. The mandate should contain the same information as the original DebiCheck mandate request.
It is important to note that Registered Mandates are fully disputable. Therefore, you should review and adjust your collection management processes to ensure compliance with the rules governing debit order disputes.
You obtain the customer’s consent (via signed document, voice recording, or electronic agreement) and register the mandate details in your system.
The mandate is stored in a secure database and linked to your customer’s account details.
When it’s time to collect, your system references the registered mandate and submits the debit order for processing through the bank.
RMS ensures that the debit order aligns with the registered mandate before processing, reducing disputes and unauthorized debits
While RMS and DebiCheck both aim to improve trust and reduce debit order disputes, they work differently
By using DebiCheck, your business demonstrates integrity, reduces disputes, and strengthens long-term relationships. When customers trust your payment process, they trust your brand:
DebiCheck: Customers electronically confirm the debit order details with their bank at the start of the contract.
RMS: Customers authorise the mandate with your company, but do not confirm it with their bank.
DebiCheck: The bank stores the confirmed mandate and checks every debit order against it before
RMS: The mandate is stored in your system or a central register, but the bank does not verify it before processing.
DebiCheck: Stronger protection against “no authority to debit” disputes because the bank has a record of customer confirmation.
RMS: Protection relies on your ability to produce the mandate when required.
DebiCheck: Eligible for early processing window, meaning faster collections.
RMS: Processes later in the day, similar to standard EFT debit orders.
